01 — Credit Repair
Credit Repair
Dispute inaccurate, outdated, or unverifiable items dragging down your credit report, so your score reflects the real you — not old mistakes or errors.
Key Benefits
- Remove inaccurate late payments, collections, or charge-offs
- Rebuild your score with a cleaner, more accurate credit profile
- Unlock better rates on future mortgages, auto loans, and cards
Ideal for: Anyone whose credit report has errors, outdated items, or old negative marks hurting their score — especially if you're otherwise managing debt fine but your score doesn't reflect it.
See if I qualify for credit repair →
02 — Debt Settlement
Debt Relief
Negotiate with your creditors to settle what you owe for significantly less than the balance — often cutting total debt by 40% to 50% before fees.
Key Benefits
- Reduce the total amount you owe, sometimes dramatically
- One affordable monthly program payment instead of juggling many
- Typical resolution in 24–48 months, avoiding bankruptcy
Ideal for: People carrying $10,000+ in unsecured debt (credit cards, medical, personal loans) who are struggling to keep up with minimum payments and want a faster exit than paying it all off.
Check my debt relief eligibility →
03 — Consolidation
Debt Consolidation Loan
Combine multiple high-interest debts into a single loan with a lower fixed rate — so you pay less interest and have one predictable payment each month.
Key Benefits
- Replace many variable card payments with one fixed loan payment
- Often cut interest rates significantly vs. credit card APRs
- Clear payoff timeline with a defined end date
Ideal for: People with fair-to-good credit, steady income, and the ability to qualify for a lower-rate loan — who want a straightforward, structured path to pay off debt in full.
See my consolidation loan options →
04 — Counseling
Credit Counseling
Work with a nonprofit credit counselor to build a Debt Management Plan (DMP) — creditors reduce your rates and you pay one consolidated payment through the agency.
Key Benefits
- Negotiated lower interest rates directly with your creditors
- One simple monthly payment managed for you
- Built-in budgeting help and financial education throughout
Ideal for: People with steady income who can realistically afford to pay their full balances, but want lower interest rates, a structured plan, and support to stay on track.
Connect me with a counselor →
05 — Validation
Debt Validation
Legally require debt collectors to prove you actually owe the debt they're pursuing. If they can't validate it, they can't legally collect on it.
Key Benefits
- Force removal of debts collectors can't properly verify
- Protect yourself from wrongful, duplicate, or expired collections
- Stop harassing calls and letters using your legal FDCPA rights
Ideal for: Anyone being contacted by third-party debt collectors — especially for old debts, debts you don't recognize, or debts that may be past the statute of limitations.
Validate my debt now →
06 — Bankruptcy
Bankruptcy
A federal legal process (Chapter 7 or Chapter 13) that can eliminate or restructure debts — giving you a true fresh start when no other option is realistic.
Key Benefits
- Immediate automatic stay stops collections, lawsuits, and garnishments
- Eliminate qualifying unsecured debt entirely under Chapter 7
- Keep essential property and begin rebuilding with a clean slate
Ideal for: People facing wage garnishment, lawsuits, foreclosure, or crushing debt with no realistic path to repay it — when the math simply doesn't work any other way.
See if bankruptcy fits my situation →